Yash Upadhyay

About Yash Upadhyay

I am a finance professional specializing in home loan and loan-against-property (LAP) underwriting for retail portfolios. In my current role as Assistant Manager – Credit at Aavas Financiers Ltd, I oversee end-to-end credit underwriting. This includes rigorous income verification, loan-to-value (LTV) calculations, and preparation of detailed credit memos. I have sanctioned around 70-80 in a year loans while maintaining a portfolio NPA below 1%. Beyond core underwriting responsibilities, I bring advanced financial analysis skills. I use Excel extensively to perform loan spreads, cash-flow analysis, and ratio-based credit screening, creating structured credit memos that enable faster, data-driven lending decisions. I can accelerate credit processing and decision-making without sacrificing accuracy.I hold an MBA in Finance (GLA University, Mathura) with a specialization in Financial Markets and Banking. During my studies I developed investment models and evaluated real-world lending scenarios, complementing my hands-on experience. I take a data-driven, results-oriented approach to credit management, consistently minimizing delinquencies while scaling loan disbursements. I am actively seeking Credit Manager positions at leading banks and NBFCs (such as ICICI Bank, HDFC Bank, Axis Bank, Tata Capital, Aditya Birla Housing Finance, PNB Housing Finance, etc.) and am willing to relocate anywhere.If you’re working in banking, NBFCs, credit risk, or financial services, I’d be glad to connect.Connect with Me:y••••••••@gmail.com

Experience

1. Assistant Credit Manager

   Aavas Financiers Ltd

   Apr 2026 — Present

Education

• GLA University

  Master of Business Administration - MBA, Finanacial markets and banking

• GLA University

  Master of Business Administration - MBA, Finance

• Dayalbagh Educational Institute, Agra

  Bachleor of Vocational, Artificial intelligence and robotics